Within 3-5 days of accepting loans, students will be directed to complete the following
Entrance Loan Counseling (ELC). For first time student loan borrowers at SJSU, students must complete the
on-line ELC session prior to receiving their first loan disbursement. There are no
exceptions to this federal requirement. Make sure San José State is selected as your
school when completing ELC.
Master Promissory Note (MPN). Students MUST eSign the MPN prior to receiving a loan disbursement. Under the Federal
Direct Loan Program, the MPN must be signed every 10 years.